                &\multicolumn{1}{c}{(1)}&\multicolumn{1}{c}{(2)}&\multicolumn{1}{c}{(3)}&\multicolumn{1}{c}{(4)}&\multicolumn{1}{c}{(5)}\\
                &\multicolumn{1}{c}{Any MoB}&\multicolumn{1}{c}{Sum MoB}&\multicolumn{1}{c}{No. MoB}&\multicolumn{1}{c}{Savings}&\multicolumn{1}{c}{Late Repayment}\\
\midrule
Saving          &   -0.010\sym{**} &   -7.216         &   -0.068\sym{***}&   17.114         &   -0.019         \\
                &  (0.004)         &  (5.176)         &  (0.024)         & (16.862)         &  (0.020)         \\
\addlinespace
Mobile Banking  &    0.051\sym{***}&   22.001\sym{***}&    0.046         &   35.025\sym{**} &   -0.032         \\
                &  (0.006)         &  (5.781)         &  (0.028)         & (17.457)         &  (0.020)         \\
\addlinespace
Saving  $\times$ ...&    0.011\sym{**} &    7.199         &    0.073\sym{***}&  -27.998         &    0.006         \\
                &  (0.005)         &  (5.972)         &  (0.026)         & (23.109)         &  (0.025)         \\
\addlinespace
MB  $\times$ ...&    0.024\sym{***}&   13.928\sym{*}  &    0.058\sym{*}  &  -33.513         &    0.010         \\
                &  (0.007)         &  (7.478)         &  (0.034)         & (23.122)         &  (0.024)         \\
\midrule
Observations    &    60000         &    60000         &    60000         &    60000         &    17540         \\
Control Mean age\_median=0&    0.040         &   16.775         &    0.130         &  320.559         &    0.285         \\
Control Mean age\_median=1&    0.008         &    5.998         &    0.021         &  250.866         &    0.238         \\
p-Value Savings  = MB&    0.000         &    0.000         &    0.000         &    0.311         &    0.503         \\
Total effect MB &    0.074         &   35.929         &    0.104         &    1.512         &   -0.022         \\
Total Effect MB p-value&    0.000         &    0.000         &    0.000         &    0.920         &    0.130         \\
Wave FE         &      Yes         &      Yes         &      Yes         &      Yes         &      Yes         \\
